Richardson, TX Car Insurance
What's the average car insurance rate in Richardson?
The average car insurance rate in Richardson, Texas, is $1,542 per year. That's more than the average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Richardson — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
CAR INSURANCE RATES IN RICHARDSON
| Richardson Average (yearly) | Texas Average | United States Average |
| $1,542 | $1,415 | $1,548 |
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Richardson auto insurance rates by company
The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical driver, USAA offers Richardson's cheapest rates. See below the best companies for cheap auto insurance in Richardson — but don't forget to get personalized car insurance quotes to match your driving profile.
RICHARDSON CAR INSURANCE PREMIUMS BY COMPANY
| Insurer | Average Annual Rate |
| USAA | $1,294 |
| GEICO | $1,373 |
| State Farm | $1,500 |
| Allstate | $2,417 |
Read our guide to finding the best cheap auto insurance.
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Auto insurance premiums by age in Richardson
The age group that enjoys the lowest auto insurance rates in Richardson are drivers in their 50s, who pay an average of $1,337 per year. Those in their 60s don't pay significantly more ($1,386).
The Richardson drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Richardson is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Richardson is $1,984, the largest such difference between any two age brackets.
RICHARDSON CAR INSURANCE RATES BY DRIVER AGE
| Age bracket | Average Annual Rate |
| Teens | $3,997 |
| 20s | $2,014 |
| 30s | $1,517 |
| 40s | $1,478 |
| 50s | $1,337 |
| 60s | $1,386 |
| 70s | $1,714 |
Learn more about the impact of age on car insurance premiums.
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Richardson auto insurance rates by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Richardson pay $100 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Richardson, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Richardson, the gulf in car insurance costs between genders is $8 per year, with male drivers paying more than female drivers.
RICHARDSON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
| Gender/Marital Status | Average Annual Rate |
| Female | $1,534 |
| Male | $1,542 |
| Single | $1,442 |
| Married | $1,442 |
| Divorced | $1,542 |
| Widowed | $1,406 |
Read more about the relationships between gender, marital status and insurance rates.
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Richardson car insurance costs by citation and accident history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Richardson, a reckless driving citation results in an average insurance rate increase of $845 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $866 increase and a speeding ticket triggers a $132 rate hike.
RICHARDSON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Violation/Incident | Average Annual Rate |
| DUI/DWI | $2,408 |
| Reckless Driving | $2,387 |
| At-fault Accident (damages < $1,000) | $1,950 |
| At-fault Accident (damages greater than $2,000) | $2,342 |
| Speeding Ticket (16-20 mph over speed limit) | $1,674 |
Learn more about the impact of driving violations on car insurance rates.
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Richardson car insurance costs by credit level
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Richardson drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Richardson, improving your credit to "Fair" could help you earn a $1,324 decrease in annual car insurance rates.
RICHARDSON CAR INSURANCE RATES BY CREDIT SCORE
| Credit Level | Average Yearly Rate |
| Very Poor | $3,239 |
| Fair | $1,915 |
| Good | $1,542 |
| Very Good | $1,432 |
| Exceptional | $1,271 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.